What “all-in” is trying to prevent
OMVIC says a dealer-advertised vehicle price must include the fees and charges the dealer intends to collect. Examples include freight, pre-delivery inspection, administration charges, and dealer-installed products. HST and actual licensing may be excluded when that exclusion is clear and prominent.
That is why each marketplace offer keeps an all-in selling price as the primary number and shows HST and licensing on their own lines. A dealer cannot bury a mandatory charge in the payment schedule.
Compare the same layers
- Start with the exact vehicle and every disclosed substitution.
- Compare all-in selling prices before tax and licensing.
- Review itemized incentives and every eligibility assumption.
- Then compare total cash, finance, or lease obligations on like terms.
The final contract still controls
A marketplace offer is a frozen comparison snapshot, not the purchase contract. Confirm the vehicle identifier, price, mandatory products, tax, licensing, delivery timing, and incentive eligibility in the dealer’s written contract. Ontario also warns that motor-vehicle contracts generally have no cooling-off period.